diff --git a/build.gradle b/build.gradle
index 6b46d6e8b..d3d4cf4d5 100644
--- a/build.gradle
+++ b/build.gradle
@@ -16,7 +16,7 @@ apply plugin: 'com.github.ben-manes.versions' // gradle dependencyUpdates -Drevi
 apply plugin: 'project-report' // gradle htmlDependencyReport
 
 sourceCompatibility = 1.6
-version = '0.31.0'
+version = '0.32.0'
 group = 'stellar'
 
 jar {
diff --git a/src/main/java/org/stellar/sdk/Sep10Challenge.java b/src/main/java/org/stellar/sdk/Sep10Challenge.java
index 50f97e2f3..9fe1b52cc 100644
--- a/src/main/java/org/stellar/sdk/Sep10Challenge.java
+++ b/src/main/java/org/stellar/sdk/Sep10Challenge.java
@@ -44,18 +44,19 @@ public static Transaction newChallenge(
     return newChallenge(signer, network, clientAccountId, domainName, webAuthDomain, timebounds, "", "");
   }
 
-  /**
-   * Returns a valid <a href="https://github.com/stellar/stellar-protocol/blob/master/ecosystem/sep-0010.md#response" target="_blank">SEP 10</a> challenge, for use in web authentication.
-   *
-   * @param signer           The server's signing account.
-   * @param network          The Stellar network used by the server.
-   * @param clientAccountId  The stellar account belonging to the client.
-   * @param domainName       The <a href="https://en.wikipedia.org/wiki/Fully_qualified_domain_name" target="_blank">fully qualified domain name</a> of the service requiring authentication.
-   * @param webAuthDomain    The fully qualified domain name of the service issuing the challenge.
-   * @param timebounds       The lifetime of the challenge token.
-   * @param clientDomain     The domain of the client application requesting authentication.
-   * @param clientSigningKey The stellar account listed as the SIGNING_KEY on the client domain's TOML file.
-   */
+    /**
+     * Returns a valid <a href="https://github.com/stellar/stellar-protocol/blob/master/ecosystem/sep-0010.md#response" target="_blank">SEP 10</a> challenge, for use in web authentication.
+     *
+     * @param signer           The server's signing account.
+     * @param network          The Stellar network used by the server.
+     * @param clientAccountId  The stellar account belonging to the client.
+     * @param domainName       The <a href="https://en.wikipedia.org/wiki/Fully_qualified_domain_name" target="_blank">fully qualified domain name</a> of the service requiring authentication.
+     * @param webAuthDomain    The fully qualified domain name of the service issuing the challenge.
+     * @param timebounds       The lifetime of the challenge token.
+     * @param clientDomain     The domain of the client application requesting authentication.
+     * @param clientSigningKey The stellar account listed as the SIGNING_KEY on the client domain's TOML file.
+     * @param memo             The memo of the challenge transaction.
+     */
   public static Transaction newChallenge(
       KeyPair signer,
       Network network,
@@ -64,7 +65,8 @@ public static Transaction newChallenge(
       String webAuthDomain,
       TimeBounds timebounds,
       String clientDomain,
-      String clientSigningKey
+      String clientSigningKey,
+      Memo memo
   ) throws InvalidSep10ChallengeException {
     byte[] nonce = new byte[48];
     SecureRandom random = new SecureRandom();
@@ -94,6 +96,10 @@ public static Transaction newChallenge(
         .addOperation(domainNameOperation)
         .addOperation(webAuthDomainOperation);
 
+    if (memo != null) {
+      builder.addMemo(memo);
+    }
+
     if (!clientSigningKey.isEmpty()) {
       if (StrKey.decodeVersionByte(clientSigningKey) != StrKey.VersionByte.ACCOUNT_ID) {
         throw new InvalidSep10ChallengeException(clientSigningKey + " is not a valid account id");
@@ -109,6 +115,32 @@ public static Transaction newChallenge(
     return transaction;
   }
 
+
+  /**
+   * Returns a valid <a href="https://github.com/stellar/stellar-protocol/blob/master/ecosystem/sep-0010.md#response" target="_blank">SEP 10</a> challenge, for use in web authentication.
+   *
+   * @param signer           The server's signing account.
+   * @param network          The Stellar network used by the server.
+   * @param clientAccountId  The stellar account belonging to the client.
+   * @param domainName       The <a href="https://en.wikipedia.org/wiki/Fully_qualified_domain_name" target="_blank">fully qualified domain name</a> of the service requiring authentication.
+   * @param webAuthDomain    The fully qualified domain name of the service issuing the challenge.
+   * @param timebounds       The lifetime of the challenge token.
+   * @param clientDomain     The domain of the client application requesting authentication.
+   * @param clientSigningKey The stellar account listed as the SIGNING_KEY on the client domain's TOML file.
+   */
+  public static Transaction newChallenge(
+          KeyPair signer,
+          Network network,
+          String clientAccountId,
+          String domainName,
+          String webAuthDomain,
+          TimeBounds timebounds,
+          String clientDomain,
+          String clientSigningKey
+  ) throws InvalidSep10ChallengeException {
+    return newChallenge(signer, network, clientAccountId, domainName, webAuthDomain, timebounds, clientDomain, clientSigningKey, null);
+  }
+
   /**
    * Reads a SEP 10 challenge transaction and returns the decoded transaction envelope and client account ID contained within.
    * <p>